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Old 10-03-2014, 03:56 PM   #11
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Originally Posted by DaveSchwartz View Post
It does factor into the rating. When I added my RV to my policy, the questionnaire asked about the storage location. I assume that storage at home is a discount because you will be checking it much more frequently and generally far fewer people will have access.
Yep, that's pretty much it. They're looking at:

1) If it's at home, you're going to have an eye on it more than if it's at a lot.
2) At a lot more people have access than at your home.

So, in general, if there's a difference in rates (not everyone has them) then it should be higher in a storage lot.

That's the general case. In some cases, if you happen to live in a high crime area, it might actually be cheaper in a lot where it could be considered "more secure" than the current location.

There's no use crying over spilled milk, unless it's on your keyboard.
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Old 10-03-2014, 03:56 PM   #12
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Old 10-03-2014, 04:00 PM   #13
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Good Sam policy has replacement value for first 4 years. Then will stroke a check for what you paid for your RV. In order to get storage rate it has to be in storage for 30 days minimum.

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